Zebeth Media Solutions

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Discover How ChatGPT Virtual Assistant Can Revolutionize Your Business

In today’s fast-paced business world, companies are always looking for ways to increase efficiency and productivity. One way to achieve this is by utilizing virtual assistants. Virtual assistants are computer programs that can interact with humans to perform various tasks. ChatGPT is one such virtual assistant that can revolutionize your business. ChatGPT is a state-of-the-art virtual assistant based on the GPT-3.5 architecture. It has been trained on a massive dataset, making it capable of understanding and responding to a wide variety of queries. Whether it’s customer service, data analysis, or research, ChatGPT can handle it all. Here are some ways ChatGPT can revolutionize your business: Improved Customer Service Customers are the lifeblood of any business, and keeping them satisfied is key to success. ChatGPT can assist your customers in a variety of ways, such as answering their queries, providing product recommendations, and even processing orders. With ChatGPT handling customer service, your employees can focus on other important tasks, such as marketing and product development. Data Analysis Data analysis is a critical aspect of any business. It helps companies understand their customers, make informed decisions, and identify areas for improvement. However, analyzing data can be time-consuming and tedious. ChatGPT can help automate this process, making it faster and more efficient. It can analyze data from various sources and provide insights that can help drive business growth. Research Research is another crucial aspect of business. Whether it’s market research or competitor analysis, gathering relevant data can be time-consuming. ChatGPT can help by searching for information on the internet, compiling data, and even creating reports. This can save your employees valuable time and help them focus on other tasks. Increased Productivity By automating tasks such as customer service, data analysis, and research, ChatGPT can help increase productivity in your business. This means your employees can focus on tasks that require human expertise, such as strategy and innovation. With ChatGPT handling repetitive tasks, your business can operate more efficiently, and you can achieve more in less time. Cost-Effective Hiring additional employees to handle customer service, data analysis, and research can be expensive. However, with ChatGPT, you can get the same results at a lower cost. ChatGPT is available 24/7 and can handle multiple tasks simultaneously, making it a cost-effective solution for businesses of all sizes. In conclusion, ChatGPT is a virtual assistant that can revolutionize your business by improving customer service, automating data analysis and research, increasing productivity, and reducing costs. With its state-of-the-art technology and extensive training, ChatGPT is capable of handling a wide variety of tasks. By utilizing ChatGPT, your business can operate more efficiently and achieve greater success. Watch the full video here

Start earning from the comfort of your home – These 6 jobs pay you $20/hr

The introduction of the blog post on “Start earning from the comfort of your home – These 6 jobs pay you $20/hr” serves to set the stage for the rest of the article. It should aim to capture the reader’s attention and provide a brief overview of what the post will cover.     The first part of the introduction should focus on the benefits of working from home. This could include the flexibility to work on your own schedule, the ability to avoid long commutes, and the comfort of working in your own space. By highlighting the advantages of working from home, the introduction can help to make the case for why these six jobs are worth considering. Next, the introduction should provide an overview of the six jobs that will be discussed in the post. This could be done in a list format or through short paragraphs that highlight each job. It’s important to give the reader a clear idea of what they can expect to learn about in the post, as this will help to keep them engaged. Finally, the introduction should provide a brief overview of the earning potential for each job. This doesn’t need to be a detailed breakdown of salaries and hourly rates, but rather a general idea of what readers can expect. By highlighting the earning potential, the introduction can help to make these jobs even more appealing to readers who are looking for ways to earn money from home. Overall, the introduction should be concise, engaging, and informative, setting the stage for the rest of the article and enticing readers to keep reading. 1. Content Writer: An Overview of the Role, Required Skills, and Earning Potential In today’s digital age, content is king. From blogs to social media to website copy, businesses of all kinds are relying on high-quality written content to attract and engage customers. This has led to a growing demand for content writers – professionals who are skilled at creating informative, engaging, and effective content. In this post, we’ll take a closer look at the role of a content writer, the skills and qualifications required for success in this field, and the earning potential for those who pursue this career path. The Role of a Content Writer A content writer is responsible for creating written content that resonates with a target audience. This can take many forms, including blog posts, articles, product descriptions, social media updates, and more. The ultimate goal of a content writer is to create content that is engaging, informative, and valuable to the reader One of the key challenges of being a content writer is creating content that is optimized for search engines. This means understanding how to incorporate keywords and phrases into content in a way that doesn’t feel forced or unnatural. A good content writer knows how to strike a balance between writing for human readers and writing for search engines. Skills and Qualifications Required for Success There are several key skills and qualifications that are required for success as a content writer. These include: Excellent writing skills – Content writers must be able to write clearly, concisely, and effectively. They should have a strong command of grammar and be able to convey complex ideas in simple, easy-to-understand language Knowledge of SEO – As mentioned above, content writers should have a basic understanding of search engine optimization techniques and how to incorporate them into their writing Strong research skills – In order to create informative and accurate content, content writers must be able to research a wide range of topics and synthesize information from multiple sources. Creativity – Writing engaging and original content requires a high degree of creativity. Content writers should be able to come up with fresh, interesting angles on familiar topics, and be willing to experiment with new formats and styles. Earning Potential The earning potential for content writers varies depending on a number of factors, including experience, industry, and location. According to data from PayScale, the average hourly rate for a content writer is around $20 per hour, although some writers may earn more depending on their level of experience and the types of clients they work with. Freelance writers who work on a project basis may also have the opportunity to earn more, as they can set their own rates based on the project scope and their own experience. 2. Virtual Assistant As businesses continue to operate remotely, the demand for virtual assistants has grown significantly. A virtual assistant is a remote administrative professional who provides a wide range of services, including data entry, scheduling appointments, managing emails, and conducting research. The role requires excellent organizational skills, attention to detail, and strong communication skills. Most virtual assistants have a background in administrative work and can work with a variety of software programs, including Microsoft Office and Google Suite. The earning potential for virtual assistants varies depending on experience and the scope of work, but the average hourly rate is around $20 per hour. 3. Online Tutor Online tutoring has become increasingly popular as more students are learning remotely. Online tutors provide academic support to students through video conferencing and other digital tools. The role requires expertise in a particular subject or subjects, as well as strong communication and interpersonal skills. Many online tutors have a degree in education or a related field, and some have teaching experience. The earning potential for online tutors varies depending on experience and the subject matter, but the average hourly rate is around $20 per hour. 4. Social Media Manager Social media has become an essential tool for businesses of all sizes to connect with their audiences. Social media managers are responsible for creating and executing social media strategies, creating content, managing social media accounts, and monitoring analytics. The role requires strong communication and interpersonal skills, as well as expertise in social media platforms and marketing. Many social media managers have a degree in marketing or a related field, and some have

The Best Camera for a Content Creator in 2023

  DISCLAIMER: Amazon pays me when you purchase through any of the link on this article.    As a content creator, having the right camera can make all the difference in producing high-quality videos and photos. With technology constantly evolving, there are always new cameras being released that offer impressive video and photo capabilities. Here are five cameras that are currently highly rated among content creators in 2021. 1. The Sony A7S III is a full-frame mirrorless camera that is highly regarded for its low-light performance and impressive video capabilities. With 4K 120fps video recording, this camera is a great option for content creators who prioritize video quality. Buy Now 2.  The Canon EOS R5 is another popular full-frame mirrorless camera that offers 8K video recording, 45MP stills, and advanced autofocus capabilities. This camera is an excellent choice for content creators who prioritize both video and photo quality.    Buy Now 3.. The Panasonic Lumix GH5 Mark II is a Micro Four Thirds camera that offers 4K 60fps video recording and excellent image stabilization, making it a great option for vloggers and content creators on the go.   Buy here   4. The Fujifilm X-T is an APS-C mirrorless camera that offers 4K 60fps video recording, 26MP stills, and excellent color reproduction. This camera is an excellent choice for content creators who prioritize image quality. Buy now 5. The Blackmagic Pocket Cinema Camera 6K Pro may be more geared towards filmmakers, but its ability to shoot 6K video and advanced color grading capabilities make it a great choice for content creators who prioritize video quality. Buy NowBuy Now   Overall, the best camera for a content creator in 2023 will ultimately depend on the individual’s specific needs and preferences. However, these five cameras are currently highly rated for their video and photo capabilities and are popular choices among content creators.          

Canon EOS Rebel T7 DSLR Camera with EF-S 18-55mm f/3.5-5.6 IS II Lens

  Disclaimer: Any product you purchase using any link, Amazon pays me a commission if you click to buy any product here. This is a way to support my Blog.   The Canon EOS Rebel T7 is a entry-level DSLR camera that is designed for photographers who are just starting out or looking to upgrade their current camera. It features a 24.1-megapixel APS-C CMOS sensor and a DIGIC 4+ image processor, which work together to produce high-resolution images with minimal noise and excellent color reproduction. One of the standout features of the T7 is its 9-point AF system, which allows you to quickly and accurately focus on your subject, even in low-light conditions. Additionally, the T7 has a built-in flash, which can be used to fill in shadows and add light to your photos. The T7 also has a wide range of shooting modes, including auto, scene, and creative, which allow you to capture images in a variety of conditions. For example, the T7’s landscape mode is designed to capture the beauty of nature, while the portrait mode is perfect for taking portraits of people. The camera is also compatible with the EF-S 18-55mm f/3.5-5.6 IS II lens which is a standard zoom lens that is ideal for everyday photography. It has a focal length range of 18-55mm, which is equivalent to 29-88mm in 35mm format. This lens has a Image stabilization feature which helps to reduce camera shake and make it easy to take sharp photos even in low light condition. The T7 also has built-in Wi-Fi and Bluetooth, which make it easy to share your photos and videos with friends and family. You can also use the Canon Camera Connect app to remotely control the camera and transfer images to your smartphone or tablet. Get Your Canon EOS Rebel T7 DSLR Camera here: Overall, the Canon EOS Rebel T7 DSLR Camera with EF-S 18-55mm f/3.5-5.6 IS II Lens is a great entry-level camera that offers a wide range of features and capabilities for both amateur and more experienced photographers. It is a affordable and versatile camera that can be used for a variety of different photography applications. BUY NOW

What to expect from crypto regulation in the wake of the FTX scandal • ZebethMedia

At our TC Sessions: Crypto event last week in Miami, I sat down with Bitwise Asset Management General Counsel and Chief Compliance Officer Katherine Dowling, Perkins Coie Partner Sarah Shtylman and Paradigm Policy Director Justin Slaughter to talk about the crypto regulation landscape, with a specific focus on the U.S. What we didn’t know heading into the panel was just how much would change about the industry owing to the fallout from FTX’s collapse the week prior. Slaughter in particular felt the impacts of the FTX fiasco firsthand: Paradigm wrote down a $278 million investment in the exchange following its declaration of bankruptcy. We talked about that up front, but mostly as a jumping-off point to discuss the knock-on effects for the state of regulation, which was itself already a contentious mess, particularly when it comes to U.S. lawmakers and the various federal regulators involved in the market, including the SEC and the CFTC. The key takeaways that all three panelists essentially agreed upon is that the benefit of the FTX situation is that there’s now more impetus than ever to arrive at some kind of regulatory framework specific to crypto in the U.S., and that there’s now ample demand from the industry side, as well as an opportunity to further educate regulators since they’re looking for illumination coming out of the FTX collapse. On the incentive side, there’s harm reduction, since regulators and lawmakers don’t want more FTX scenarios to continue to unfold, as well as FOMO on the business being done abroad in markets where they’ve raced ahead to encourage crypto adoption. Check out the full panel above for much more.

The era of oil-driven foreign policy is over. Welcome to decarbonization diplomacy • ZebethMedia

For much of the 20th century, oil dominated foreign policy. Countries spent the better part of the century scrambling to secure supply. Sometimes it happened through negotiations and diplomacy. All too often it resulted in the overthrow of governments or outright invasions. But with fossil fuels on the wane, we’re starting to get a glimpse of foreign relations in the 21st century, and it seems like investment will be the defining characteristic. Decarbonization diplomacy is looking a lot less violent than what preceded it. It took a while to get to this point — probably too long — but the dam appears to be breaking.

Einride founder on building an underlying business to support future tech goals • ZebethMedia

Swedish startup Einride was founded in 2016 with a mission to electrify freight transport. Today, that means designing electric trucks and an underlying operating system to help overland shippers make the transition to electric. In the future, it will mean deploying electric autonomous freight — more specifically, Einride’s autonomous pods, which are purpose-built for self-driving and can’t accommodate human drivers. Einride founder and CEO Robert Falck told ZebethMedia a year ago that he felt a moral obligation to create a greener mode of freight transport after spending years building heavy-duty diesel trucks at Volvo GTO Powertrain. On top of that, he saw the need to eventually automate the role of long-haul trucking. Falck, a serial entrepreneur, decided against the route many autonomous trucking companies have taken — doggedly pursuing self-driving technology, even if it meant putting sensors and software stacks on diesel vehicles. Rather, Falck chose a two-step process to bring Einride to market. The first involves working with OEM partners to build electric trucks and partnering with shippers to deploy them and earn revenue. That revenue then goes back into the business for the second step, which is the development of an autonomous system. By the time Einride is ready to go to market with its autonomous pods, it will ideally already have a range of commercial shipping partners in its pipeline. Einride’s current shipping clients across Sweden and the U.S. include Oatly, Bridgestone, Maersk and Beyond Meat. The company said it clears close to 20,000 shipments per day. Over the past few months, Einride has completed a public road pilot of its electric, autonomous pod in Tennessee with GE Appliances, launched its electric trucks in Germany in partnership with home appliance giant Electrolux, announced plans to build a network of freight charging stations in Sweden and Los Angeles, and introduced its second-generation autonomous pod. We sat down with Falck a year after our initial interview with him to talk about the challenges of reaching autonomy when connectivity on the roads is lacking, why the Big Tech crashes are actually healthy for the industry and what consolidation looks like for autonomous driving. The following interview, part of an ongoing series with founders who are building transportation companies, has been edited for length and clarity.

How to stream the 2022 FIFA World Cup in USA • ZebethMedia

Fans across the globe will be tuning in to the most-watched sporting spectacle — the 2022 FIFA World Cup— set to kick off on Sunday, November 20, with host nation Qatar facing off against Ecuador. FIFA expects 5 billion people worldwide to watch this year’s tournament. If you’re planning on streaming the 2022 World Cup, here’s how: How to Watch the 2022 FIFA World Cup (U.S. Viewers) U.S viewers can livestream all 64 matches on FOX and FS1. Live TV streaming services that carry FS1 and local FOX stations include Hulu Live TV, YouTube TV, DIRECTV STREAM, FuboTV, Sling TV, and Vidgo. All games can also be streamed live and on-demand on the FOX Sports app. Fox-owned ad-supported streaming service, Tubi, will only have World Cup games on-demand–which will be available to stream on the platform once the matches are already done. For Spanish-speaking viewers, NBCUniversal’s streaming service Peacock will be the Spanish-language streaming home for all World Cup matches. The first 12 games are free to all subscribers, and the remaining 52 matches will only be available for Peacock Premium subscribers. Also, 56 matches will be simulcast on Telemundo, and eight games will be simulcast on Universo. The 2022 FIFA World Cup is available to be broadcast in 4K in the Fox Sports and Fox Now apps. Subscribers of Sling TV, Hulu Live TV, FuboTV, DIRECTV STREAM, and YouTube TV can watch the World Cup in 4K. Tubi will also offer 4K viewing. Fire TVs, Android TVs, Apple TVs and Roku devices are 4K-compatible with Fox. Note that 4K through Fox isn’t available on the web or mobile. Full Schedule for the 2022 FIFA World Cup Image Credits: FIFA Group A Nov 20: Qatar vs. Ecuador at 11 a.m. ET/8 a.m PT Nov 21: Senegal vs. Netherlands at 11 a.m. ET/8 a.m PT Nov 25: Qatar vs. Senegal at 8 a.m. ET/5 a.m. PT Nov 25: Netherlands vs. Ecuador at 11 a.m. ET/8 a.m PT Nov 29: Qatar vs. Netherlands at 10 a.m. ET/7 a.m. PT Nov 29: Ecuador vs. Senegal at 10 a.m. ET/7 a.m. PT Group B Nov 21: England vs. Iran at 8 a.m. ET/5 a.m. PT Nov 21: USA vs. Wales at 2 p.m. ET/11 a.m. PT Nov 25: Wales vs. Iran at 5 a.m. ET/2 a.m. PT Nov 25: England vs. USA at 2 p.m. ET/11 a.m. PT Nov 29: Wales vs. England at 2 p.m. ET/11 a.m. PT Nov 29: Iran vs. USA at 2 p.m. ET/11 a.m. PT Group C Nov 22: Argentina vs. S. Arabia at 5 a.m. ET/2 a.m. PT Nov 22: Mexico vs. Poland at 11 a.m. ET/8 a.m. PT Nov 26: Poland vs. S. Arabia at 8 a.m. ET/5 a.m. PT Nov 26: Argentina vs. Mexico at 2 p.m. ET/11 a.m. PT Nov 30: Poland vs. Argentina at 2 p.m. ET/11 a.m. PT Nov 30: S. Arabia vs. Mexico at 2 p.m. ET/11 a.m. PT Group D Nov 22: Denmark vs. Tunisia at 8 a.m. ET/5 a.m. PT Nov 22: France vs. Australia at 2 p.m. ET/11 a.m. PT Nov 26: Tunisia vs. Australia at 5 a.m. ET/2 a.m. PT Nov 26: France vs. Denmark at 11 a.m. ET/8 a.m. PT Nov 30: Tunisia vs. France at 10 a.m. ET/7 a.m. PT Nov 30: Australia vs. Denmark at 10 a.m. ET/7 a.m. PT Group E Nov 23: Germany vs. Japan at 8 a.m. ET/5 a.m. PT Nov 23: Spain vs. Costa Rica at 11 a.m. ET/8 a.m. PT Nov 27: Japan vs. Costa Rica at 5 a.m. ET/2 a.m. PT Nov 27: Spain vs. Germany at 2 p.m. ET/11 a.m. PT Dec 1: Japan vs. Spain at 2 p.m. ET/11 a.m. PT Dec 1: Costa Rica vs. Germany at 2 p.m. ET/11 a.m. PT Group F Nov 23: Morocco vs. Croatia at 5 a.m. ET/2 a.m. PT Nov 23: Belgium vs. Canada at 2 p.m. ET/11 a.m. PT Nov 27: Belgium vs. Morocco at 8 a.m. ET/5 a.m. PT Nov 27: Croatia vs. Canada at 11 a.m. ET/8 a.m. PT Dec 1: Croatia vs. Belgium at 10 a.m. ET/7 a.m. PT Dec 1: Canada vs. Morocco at 10 a.m. ET/7 a.m. PT Group G Nov 24: Switzerland vs. Cameroon at 5 a.m. ET/2 a.m. PT Nov 24: Brazil vs. Serbia at 2 p.m. ET/11 a.m. PT Nov 28: Cameroon vs. Serbia at 5 a.m. ET/2 a.m. PT Nov 28: Brazil vs. Switzerland at 11 a.m. ET/8 a.m. PT Dec 2: Cameroon vs. Brazil at 2 p.m. ET/11 a.m. PT Dec 2: Serbia vs. Switzerland at 2 p.m. ET/11 a.m. PT Group H Nov 24: Uruguay vs. South Korea at 8 a.m. ET/5 a.m. PT Nov 24: Portugal vs. Ghana at 11 a.m. ET/8 a.m. PT Nov 28: South Korea vs. Ghana at 8 a.m. ET/5 a.m. PT Nov 28: Portugal vs. Uruguay at 2 p.m. ET/11 a.m. PT Dec 2: South Korea vs. Portugal at 10 a.m. ET/7 a.m. PT Dec 2: Ghana vs. Uruguay at 10 a.m. ET/7 a.m. PT Round of 16 Dec 3: 1A vs. 2B at 10 a.m. ET/7 a.m. PT Dec 3: 1C vs. 2D at 2 p.m. ET/11 a.m. PT Dec 4: 1D vs. 2C at 10 a.m. ET/7 a.m. PT Dec 4: 1B vs. 2A at 2 p.m. ET/11 a.m. PT Dec 5: 1E vs. 2F at 10 a.m. ET/7 a.m. PT Dec 5: 1G vs. 2H at 2 p.m. ET/11 a.m. PT Dec 6: 1F vs. 2E at 10 a.m. ET/7 a.m. PT Dec 6: 1H vs. 2G at 2 p.m. ET/11 a.m. PT Quarterfinal (QF) Round Dec 9: QF1 1E/2F vs. 1G/2H at 10 a.m. ET/7 a.m. PT Dec 9: QF2 1A/2B vs. 1C/2D at 2 p.m. ET/11 a.m. PT Dec 10: QF3 1F/2E vs. 1H/2G at 10 a.m. ET/7 a.m. PT Dec 10: QF4 1B/2A vs. 1D/2C at 2 p.m. ET/11 a.m. PT Semifinal Round Dec 13: QF2 vs. QF1 Match at 2 p.m. ET/11 a.m. PT Dec 14: QF4 vs. QF3 Match at 2 p.m. ET/11 a.m. PT Championship Round Dec 17: Semifinal losers at 10

Hyundai launches home charging ecosystem as part of EV push • ZebethMedia

Hyundai announced this week at the LA Auto Show a new way for its customers to charge at home as part of the company’s efforts to woo a new group of EV buyers. Hyundai Home, the automaker calls it, incorporates solar panels, energy storage and EV charging for Hyundai owners. Hyundai announced a partnership with Electrum, a solar panel, home battery and heat pump installer, which will help customers in 16 states find the right power installers and systems for their EV charging needs. With the new partnership, consumers in Arizona, California, Colorado. Connecticut, Florida, Illinois, Maryland, Massachusetts, Maine, Missouri, Nevada, New Jersey, New York, Oregon, Pennsylvania, Rhode Island, Virginia, and Washington can now work with Electrum advisors to find the best and most affordable power solutions for them. Prior to this week’s announcement, dealers were helping customers get in touch with local installers and power suppliers in order to get charging and storage set up for their new Hyundai EVs like the Ioniq 5, according to Ian Tupper, the senior group manager of strategic environmental partnerships at Hyundai. “With Hyundai Home, we’re really trying to democratize, not only EV charging and being able to adopt an electric vehicle, but the entire ecosystem around it. We want to make it easy for customers to go solar to get energy storage and to eventually use all those systems together to reduce their energy bill,” Tupper told ZebethMedia during an interview at the LA Auto Show. Making EV charging more accessible As the U.S. increasingly makes a push to reduce carbon emissions, especially those from tailpipes (aka fossil-fueled powered vehicles), states like California have banned the sale of new gasoline vehicles by 2035. That means that an increasing number of Americans are going to be looking at EVs, PHEVs and hybrids for their next new car purchase. Yet, rentals make up roughly one-third of American housing, according to the U.S. Census and most of that housing stock is older, which means that in order to get access to at-home charging, landlords will have to be willing to invest to upgrade panels and provide charging access in multifamily garages. The average cost to upgrade a single family home’s electrical panel to handle charging a vehicle at home, can run between $1,300 and $3,000, or more. Add that into the high price of battery-electric, hybrid and plug-in electric vehicles and many people wont be able to afford or access home charging, especially those who live in multifamily buildings without access to home charging. That’s something that Tupper says Hyundai is taking into consideration, but he wasn’t able to share any concrete details around future plans. “If we want to achieve mass adoption, we need to solve that problem for renters and so we’re attacking it in a couple of different ways. First through our partnership with Electrify America. We’re working with them to incentivize to construction of as much charging infrastructure as possible and we’re trying to give it to customers for free,” Tupper told ZebethMedia. “We’re taking a strategic partnership approach and trying to identify the players right to offer, really a smattering of solutions. If there’s a city where, you know, we can help support the production or the development of charging hub, great. But if there’s a way for us to even incentivize low-power AC Charging. We’re going to take a look at that as well.” Tupper says that Hyundai is working with its partners like Electrum to bring more charging and power storage options to more customers in other states outside of the 16 that Electrum currently services, too. “We’re just starting out,” Tupper said, “Our guiding principles are that customers not only get the right products, but they also get the right products at the right price. Electrum helps us help the customer find the right solution on the marketplace, that way we’re actually able to deliver, usually a substantially better deal than something that they would normally just get by going to a local provider.”

The latest in Plaid’s payments push • ZebethMedia

Welcome to The Interchange! If you received this in your inbox, thank you for signing up and your vote of confidence. If you’re reading this as a post on our site, sign up here so you can receive it directly in the future. Every week, I’ll take a look at the hottest fintech news of the previous week. This will include everything from funding rounds to trends to an analysis of a particular space to hot takes on a particular company or phenomenon. There’s a lot of fintech news out there and it’s my job to stay on top of it — and make sense of it — so you can stay in the know. — Mary Ann Hey, hey, Mary Ann here, feeling all sorry for myself because I have COVID for the first time when I should be grateful that it took so long for me to get it, right? Thankfully you can’t catch my germs through a computer or phone screen. I’ll be okay but as a result…you’re stuck with another slightly abbreviated version of this newsletter! Huge credit to, and gratitude for, ZebethMedia’s Kyle Wiggers, who once again saved the day by writing up all the blurbs (and there were many to cover) here. Kyle, you’re the best. Since Thanksgiving is less than a week away, I’ll take this opportunity to say how truly thankful I am to be given the trust and confidence to draft this newsletter and for you all to take the time to read and share it. I do not take this lightly because without your support, I would not be doing this. I know there are a ton of fintech-focused newsletters out there, so it really does mean the world. Okay, now that I’m done with the cringe part of this newsletter (to quote my children), let’s go straight to the news. Weekly News Image Credits: John Anderson, head of payments / Plaid Plaid announced it has hired John Anderson, a former Meta exec, to serve as its first head of payments. The move comes as the fintech startup leans into payments, both in terms of facilitating them itself and aiming to help others do so better and faster. Our first thought is that it was taking another swing at Stripe, but interestingly the two remain partners — for now. Plaid also announced that its Signal offering is out of beta with early users such as Robinhood, Webull and Uphold. It claims that by using Signal, companies can “unlock instant ACH.” In contrast to crypto, some segments of the lending market appear to be robust — at least presently. Nu Holdings, the Warren Buffett–backed Brazilian banking firm that offers credit cards and personal loans and that is more commonly known as Nubank, posted a nearly threefold jump in Q3 revenue on Monday. While publicly traded Nu has seen its U.S. shares lose over half their value this year, its customer base has grown to over 70 million following a dramatically expanded footprint in Mexico. Nu’s total revenue in Q3 reached $1.3 billion, up 171%, while profit climbed to $427 million, up 90%. Five years ago, Revolut, the British fintech company with an expanding portfolio of banking services, made the news when it reached over a million customers across Europe. That seems quaint now; this week, Revolut hit 25 million customers globally as the firm prepares to expand into new markets, including India, Mexico, Brazil and New Zealand. Revolut was last valued at $33 billion, but as of last year at least, the company wasn’t yet profitable; Revolut reported a £167 million (~$197.94 million) net loss in 2021, its largest ever. Are valuations retreating and the backlog of IPOs growing in fintech, as chatter across the Twitter-verse implies? Silicon Valley Bank says yes on both counts in its State of the Markets report out this week. According to the firm, the steepest declines in valuation have occurred for late-stage fintech companies; “enterprise value” to “next 12 months” revenue multiples for public fintechs have dipped 55% since the market peaked in early January. Meanwhile, since the end of 2021, the number of U.S. fintech unicorns has grown by 38% to 159 — standing at a staggering $656 billion in aggregate valuation, highlighting the massive backlog looking to exit. According to a study by the National Institute of Mental Health, 72% of startup founders are affected by mental health issues. Stepping out of its lane somewhat, fintech giant Brex launched a program, Catharsis, which is designed to provide resources dedicated to mental health. Brex says it’ll facilitate access to therapists via a partnership with Spring Health as well as extend a discount on the sleep-tracking Oura Ring. Seems like a worthwhile cause, but part of us wonders whether the effort is intended to distract from Brex’s poorly received pivot away from supporting small businesses. Charge cards are big business. According to Research and Markets, the segment could be worth over $2 billion by 2026, growing from $1.96 billion this year. That’s probably why banking-as-a-service startup Unit is investing in it — the company on Tuesday launched a service that’ll allow customers to build custom charge cards for their own end users. Unit handles nearly all aspects of the back end, including card printing, compliance and transaction tracking. In this way, it’s a different approach than corporate card issuers Brex and Ramp, Unit CEO Itai Damti argues, which are strictly business-to-business — Unit sees its offering as more “business-to-business-to-consumer.” If you’re itching for reading material on the forecasted economic woes in the tech sector, Ukraine-based fintech investor Vadym Synegin wrote an excellent piece for TC+ on what founders can do to help their companies prosper in times of crises. Among other steps, he suggests that founders double down on developing and proving the quality of their products, manage risk and look for ways to shore up their company’s ranks with high-performing talent. Just over a year ago, Wise — the company formerly known as TransferWise — went public

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